dont call a debt collection office, its always better to deal with them in writing
The other side of this (and please don't take offence) is that they hear a lot of people saying they are going to go bankrupt, purely as a means to try and stop the calls and letters, but they are aware that a very high percentage of the people don't enter into insolvency, so basically ignore you!!
I appreacite that the pressure is building, but if you are entering into bankruptcy in January, there is now very little they can do. They dont have time to go for a CCJ, so your safe from that, and without a CCJ, they cannot instruct baliffs, all they can do is carry on threatening to send doorstep callers, and 99.999% of the time that is all it is, a verbal or written threat to try and scare you into paying them money.
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Abbreviations used in DQF
My advice is guidance only, if you want the law then consult a lawyer!
(c) All Spelling mistakes are my own design, infringement of them may result me sulking!